Welcome to The Master’s Tax & Financial Services
Our website is an information resource designed to help you learn more about personal finance. We believe that good financial decisions don’t have to be confusing. Our hope is that this website will assist you in learning more about tax issues, investing, retirement, insurance, preparing financially for college, estate planning, and wealth preservation.
As in other areas of life, each of us will be more successful in our financial matters if we hold to a clear objective and make decisions in alignment with our objective. Janelle and Richard are prepared to assist you to:
- Clarify and define your goals
- Identify solutions that fit your needs
- File complete and accurate tax returns taking your best elections
- Plan for future tax events in order to minimize taxes
- Understand how changing financial conditions affect you
- Track your financial progress
- Make investment planning easier (Richard)
Through years of disciplined saving Richard was able to retire from his engineering work early in 2013 at the age of 58. Retirement not only allows more time for grandchildren, but more time for this business. Whatever your future financial goals are - retirement, helping fund college for children or grandchildren, or others - Richard is prepared to help.
No one likes to see a letter from the IRS or state tax or revenue authority, but both Janelle and Richard have taken advanced course work on helping people work through these situations. Both are licensed to represent taxpayers before the IRS.
We are open year-round. During the summer we are often out for a week or so for specialized Continuing Professional Education (CPE) or vacation with grandchildren. But we stay in touch and can help you address your concerns.
Please browse our site. It will not only introduce you to our company philosophy and services, but it will also offer a wealth of educational materials, articles, newsletters, calculators, and other tools — all designed to keep you up-to-date on financial issues, strategies, and trends. This educational material is updated frequently.
Helpful Content
Surprises
Making the most of surprises is a great reason to work with us.
Keeping Good Records is Good Business
Maintaining good records for your business not only helps to meet your tax and legal obligations, but it can save you money.
How Long Will My Savings Last If I Become Disabled?
See how long your current savings might last if a disability interrupted your income.
Perception vs. Reality
Learn how to coordinate your retirement accounts like an orchestra to help maximize your retirement strategy.
Reviewing Your Life Insurance Needs
Learn how the review process works and how it may help you better understand your Life Insurance.
Insurance Needs Assessment: When You're Young and Single
Even if you’re young and single, you should still consider protecting yourself.
Retiring Earlier Than Expected? What To Know
Retiring earlier than expected can be disheartening. Learn steps that can help you smoothe the road ahead.
SECURE Act 2.0: An Overview
The second iteration of the SECURE Act brings forward several changes to the world of retirement.
The Lowdown on Those Free Credit Scores
What’s the deal with your yearly free credit report?
View all articles 
What Is the Dividend Yield?
Calculate the dividend yield of a holding and see what that means for income over time.
Debt vs. Investment
Weigh the potential outcomes of paying off debt versus directing those dollars elsewhere.
How Much Home Can I Afford?
Estimate how much home may fit within your budget based on income and expenses.
Rent vs Buy Calculator
Compare the long-term financial outcomes of renting versus buying a home.
IRA Income
Estimate the potential monthly income your IRA balance could generate in retirement.
How Can I Save a Million Dollars?
See what it takes in monthly contributions and time to reach a million-dollar savings goal.
View all calculators 
Forecast
This short video helps explain why markets can be as unpredictable as the weather.
Retiring the 4% Rule
A portfolio created with your long-term objectives in mind is crucial as you pursue your dream retirement.
How to Retire Early
Retiring early sounds like a dream come true, but it’s important to take a look at the cold, hard facts.
Bursting the Bubble
Tulips were the first, but they won’t be the last. What forms a “bubble” and what causes them to burst?
Safeguard Your Digital Estate
If you died, what would happen to your email archives, social profiles and online accounts?
A Fruitful Retirement: Social Security Benefit
Taking your Social Security benefits at the right time may help maximize your benefit.